Consumer Lending Perspectives

In this episode of Consumer Lending Perspectives, Jeff Bogan hosts Steve Bugg, CEO of Great Lakes Credit Union, to discuss balance sheet leadership, intraday liquidity, and the operational realities facing financial executives. A central theme is execution speed. From emergency loan programs to AI tools like GLCU’s “Olive,” Bugg shows how operational dexterity lowers cost and strengthens member se...

In this episode, host Jeff Bogan speaks with Ethan Heisler, Editor of The Bank Treasury Newsletter, about how bank treasurers are managing liquidity, regulation, and risk today. Heisler explains how instant payments and weekend settlement gaps are pushing institutions to hold higher reserves, changing traditional strategies. Heisler considers stablecoins a practical tool for evaluation in cross-bo...

In this episode of Consumer Lending Perspectives, Sheel Mohnot, Co-Founder and General Partner of Better Tomorrow Ventures, joins the show with host, Jeff Bogan, CFO at Upgrade and fintech veteran. Better Tomorrow Ventures is a venture capital fund dedicated to fintech companies globally.  Sheel’s insights span the fintech landscape, from the symbiotic relationship between fintech and banking...

What does it take to innovate in banking today? How do institutions balance cutting-edge technology with customer trust and regulatory responsibility?  In this episode of Consumer Lending Perspective , guest Marc Butterfield, SVP of Market Expansion and New Product Development at First National Bank of Omaha (FNBO), joins Jeff Bogan, host, to explore digital transformation, consumer lending,...

Vadim Verkhoglyad, Head of Research at dv01, joins the podcast this month with his rich background in data and performance analysis. In this episode, Jeff Bogan, host, and Vadim discuss several key topics, including data transparency in consumer credit, consumer behavior psychology and mindset, the effects of inflation and debt on home prices and home insurance, and the implications of zero intere...

Host, Jeff Bogan, CFO at Upgrade, speaks with Jeremy Sankwich, Vice President of Consumer Lending at CapEd Credit Union in Meridian, Idaho. Jeremy brings a wealth of knowledge to the conversation about the evolving landscape of credit unions. Together, they explore how CapEd redefines the member experience by focusing on innovation and relationship-building. They delve into essential topics, inclu...

Host Jeff Bogan, CFO at Upgrade, talks with Dr. Joseph Breeden, a seasoned expert in credit risk management. They explore the post-pandemic lending landscape, discussing factors such as score inflation, macroeconomic adverse selection, and data imperfections affecting the lending industry.   “Consumers are not financially rational machines. And so it's very clear they key off changes in...

In this introductory episode of Consumer Lending Perspectives, host Jeff Bogan, CFO of Upgrade, shares his background in finance and the motivation behind launching the podcast. Jeff discusses his journey from advising financial institutions to leading fintech initiatives, with the goal of modernizing consumer finance.  "The finance industry is changing rapidly, and we wanted a platform where...

Jeff Bogan welcomes John Toohig, Managing Director at Raymond James and Head of Whole Loan Trading Group. John shares his extensive knowledge on the impact of recent rate increases on banks and credit unions, particularly in the consumer loan space. They examine the performance and strategies of these financial institutions in 2022 and 2023, discussing liquidity trends, M&A activity, and the e...

Are you ready to unlock the timely insights on consumer lending from industry leaders? Step into the world of cutting-edge financial innovation and balance sheet strategies with Consumer Lending Perspectives, the must-listen podcast for forward-thinking finance executives. In an era of rapid technological advancement and shifting consumer behaviors, staying ahead of the curve is essential. Join ho...